Lake Shore Bancorp, Inc.
Lake Shore Bancorp, Inc. (Nasdaq: LSBK) operates as a community bank holding company serving Western New York through its subsidiary, Lake Shore Bank. The company's website is www.mylsbank.com. From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What Lake Shore Bancorp, Inc. does
In the company’s own words
Lake Shore Bancorp, Inc. (Nasdaq: LSBK) operates as a community bank holding company serving Western New York through its subsidiary, Lake Shore Bank. The company's website is www.mylsbank.com.
Lake Shore Bank, originally chartered as a New York savings and loan association in 1891, provides a comprehensive range of banking products and services to retail and commercial customers throughout Erie and Chautauqua Counties in Western New York. The bank maintains ten branch offices across its primary market area, which encompasses the Buffalo metropolitan region and surrounding communities with a combined population of approximately 1.1 million residents.
The bank's principal business consists of attracting retail deposits and deploying those funds primarily through commercial real estate lending, one- to four-family residential mortgage lending, home equity lines of credit, and commercial business lending. As of December 31, 2025, the bank's gross loan portfolio totaled $557.3 million, with commercial real estate loans representing the largest segment at 58.8 percent of total loans. One- to four-family residential mortgage loans comprised 26.9 percent of the portfolio, home equity loans and lines of credit represented 8.4 percent, commercial business loans accounted for 3.1 percent, and consumer loans made up 2.8 percent.
Lake Shore Bancorp completed its conversion from a mutual holding company structure to a stock holding company on July 18, 2025, raising approximately $49.5 million in gross proceeds through the sale of 4.95 million shares at $10.00 per share. The company is regulated by the Federal Reserve Board, while Lake Shore Bank operates under the supervision of the New York Department of Financial Services and the Federal Deposit Insurance Corporation.
The bank competes in a dynamic market characterized by significant banking consolidation and technological advancement. Despite competition from larger regional and national institutions, Lake Shore Bank maintains competitive advantages through personalized service, deep local market knowledge, local decision-making authority, and active community engagement. The bank held approximately 16.8 percent of deposit market share in Chautauqua County as of June 30, 2025, positioning it as the third-largest depository institution in that county.
Company details
- Sector
- Financials
- Industry
- Banks & Brokers
- Headquarters
- DUNKIRK, NY
- Fiscal year end
- December
- CIK
- 2059653
- SIC
- 6035
Financial performance, year by year
Fiscal 2025–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns Lake Shore Bancorp, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Lake Shore Bancorp, Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Could not be determined for this company: bond issues.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
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